When you have a child, it changes your life and fills you with happiness, hopes and expectations. Yet, undergoing treatment requires dealing with possible health issues, strong emotions and financial costs. Many couples and families worry about paying for childbirth, mainly because health insurance can be insufficient. It’s here that health insurance with in-built maternity coverage is most useful. They are created to support the finances needed for pregnancy, childbirth and care after birth. Though add-on riders or separate maternity plans may have some restrictions, the maternity benefits in built health insurance ensure there are no restrictions and often more benefits.
In this article, we’ll explore in detail why choosing a health insurance with in-built maternity coverage is a wise decision for growing families. We’ll break down what it includes, how it benefits policyholders, and what to look out for before choosing such a plan.
We will explore reasons why it is smart for families to choose a health insurance with in-built maternity coverage. We’re going to discover the key considerations, the benefits for the policyholders and the things to watch out for during selection.
What Is Maternity Coverage in Health Insurance?
Under in-built maternity coverage, health insurance always covers maternity costs as part of the base plan. The list usually features the following:
- Fees for pre-birth medical care and care after birth
- How much you pay for hospitalization at the time of giving birth (normal or C-section)
- Extra expenses for problems that happen during pregnancy
- Newborn baby items are needed for use during the early period (usually the first 90 days).
- The cost of an ambulance when there is an emergency
- Giving vaccinations to newborns (on a case-by-case basis)
Buying maternity riders means paying separately and possibly meeting more conditions, but in-built maternity coverage offers women a better and easier way to get maternal services through insurance.
Why In-Built Maternity Coverage Is Better Than Add-Ons?
Reputable companies like Bajaj Allianz General Insurance Company generally do not provide maternity cover as an extra to an existing health insurance policy. Although insurers might allow some changes, they still consider pregnancy to be planned and there is usually a waiting period, so planning in advance is necessary. So, having the training mentioned at the start of the policy makes everyone feel less anxious.
Benefits of Adding Maternity Coverage to Your Health Plan
Adding health insurance for pregnancy to your existing plan comes with several advantages:
Comprehensive Coverage
When you have good health insurance during maternity in India, every stage, including before, during and after delivery, is made affordable.
Support for Newborn Care
Many provide coverage for newborn treatment, with costs of congenital diseases, vaccinations and emergencies paid for us to 90 days following birth. Parents are relieved from having to focus on money matters and can mostly focus on the baby’s health during those important days.
Cashless Facility
A number of major hospitals belong to the 18,400 facilities in the Bajaj Allianz General Insurance Company network. With this, patients can get quality healthcare that is quick and easy to pay for which helps a lot in emergencies.
No Need for Separate Maternity Plans
Getting separate insurance for pregnancy might be complicated and costly. Maternity cover built into the team’s framework makes it simpler. A single policy, single premium and single point of contact are featured when making a claim or getting help.
Long-Term Planning Advantage
As most maternity benefits wait 36 months before paying out, couples are advised to get the insurance early in their marriage. It guarantees the coverage is active without any last-minute concerns for you.
Things to Check Before Choosing Health Insurance for Maternity Coverage
If you’re looking for a policy with maternity benefits, keep these in mind before choosing health insurance for maternity coverage:
Waiting Period
This lasts from when you get the add-on until you are able to start using it. Always organize your medicine and add-ons ahead of time, before trying to conceive.
Sub-limits
Many insurance plans set limits for what they will pay for maternity care. The insurance usually provides limited coverage for both normal and C-section deliveries and the limitations depend on the policy’s limit and terms.
Coverage for Newborn
Sometimes, healthcare policies focus on the newborn, but there are instances where they do not. Ensure that the insurance policy covers vaccinations and conditions a baby inherits.
Exclusions
Routine doctor visits, tonics, infertility treatments, and complications due to pre-existing health conditions may not be included.
Network Hospitals
Select a hospital that is part of your insurer’s network so that claim and cashless benefits are handled easily.
Conclusion
Living through pregnancy is filled with joy and excitement and you shouldn’t let finances make you anxious throughout it. Choosing a health insurance plan that includes maternity insurance ensure you are prepared for any health-related costs your pregnancy may bring.
Timing matters. If beginning a family is a priority, choosing a rich health insurance plan that looks after you during pregnancy and postpartum is smart. It means you and your child will always have the attention and reassurance that’s needed at every part of the pregnancy and parenting journey.
Not having health insurance? Make sure to check out maternity-inclusive policies from companies known for reliability such as Bajaj Allianz General Insurance Company. These plans make sure you have care during pregnancy, at birth and following delivery for both the mom and the baby.
Pick an insurance product today that will suit your family as your family grows and deals with life’s important changes.
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##All savings are provided by the insurer as per the IRDAI-approved insurance plan.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
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Claims are subject to terms and conditions set forth under the health insurance policy.
The information presented is not meant to be a substitute for medical advice. Any suggestions mentioned should be considered for general use only. For expert guidance on any health ailment or medical issue or any treatment/procedure, please consult a certified medical professional.
